Side-by-side · Q2 2026 data
First National Bank of Griffin vs Citizens Bank of the South
Metric by metric
| Measure | First National Bank of Griffin | Citizens Bank of the South |
|---|---|---|
| TellerScore | 84 (stronger) | 76 |
| Capital cushion | 64 | 69 (stronger) |
| Loan quality | 99 (stronger) | 85 |
| Earnings | 78 | 83 (stronger) |
| Funding & liquidity | 99 (stronger) | 56 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 86th | 64th |
| Total assets | $368.3M | $395.1M |
| Deposits / shares | $321.3M | $345.6M |
| Capital ratio | 11.41% | 11.94% (stronger) |
| Problem loans | 0.04% (stronger) | 0.45% |
| Net charge-offs | -0.00% (stronger) | 0.04% |
| Return on assets | 1.45% | 1.58% (stronger) |
| Loans ÷ deposits | 56.6% (stronger) | 86.8% |
| Uninsured deposits | 15.7% (stronger) | 30.8% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank of Griffin has the higher TellerScore (84 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Griffin leads on 5 and Citizens Bank of the South on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.